How to avoid pain when making a home insurance claim

Prove it Insurers’ claims teams want to see proof that the event you are claiming for has happened – unfortunately they have to watch out for fraudulent claims. Often providing proof is straightforward. But if your valuables were stolen by a burglar and you didn’t report the theft to the police, then your insurer may…

Stay Calm and Keep Complaining!

If your insurer just won’t agree with your complaint it must send you what is known as a “Final Response” letter. Well, for a start it isn’t final unless you give up, but it does tell you that their complaints process is ended and that you have six months to refer it to the Financial…

Steer clear of ambulance chasers

The old days of meekly accepting bad service or harsh treatment from insurers have gone haven’t they? Well I hope so and judging from the record numbers of cases the Financial Ombudsman Service (FOS) handles each year, that’s true. The FOS’ services are entirely free to private policyholders, and informal too. So is it worth…